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When you buy insurance from AIG, you can have confidence that we stand ready to help you recover quickly when the unexpected happens. The claims operation that underpins every AIG policy is one of our greatest strengths, with a strong local claims team backed by our global network of expertise to support you when you face a loss.

Committed to Service Excellence

Local Knowledge

Our claims team has first-hand knowledge of risks, business
practices, legal and regulatory issues. The team is supported by
dedicated Claims Product Managers, ensuring that you are satisfied
with the progress of your claim every step of the way.

Dedicated, Focused Claims Handling

We get your claim to the right expert fast. Each claim is handled by
an examiner with the most appropriate type of expertise, based on the
product line and the complexity of the loss. Administrative tasks are
handled by separate teams, giving more time for our examiners to work
with you on a stronger, more proactive partnership to settle larger
and more complex claims, and provide a faster service on more
straightforward claims.

Worldwide Capability

For companies doing business overseas, our global network gives us
the edge in resolving your claim should a loss occur in a foreign
market. We can work across borders with teams in multiple countries,
working with local languages, laws and regulations alongside those
back home in Singapore.

Global Expertise

Our global claims team comprises over 10,000 claims professionals. We
handle millions of claims every year, each one adding to the wealth of
knowledge and experience that helps us resolve your claim quickly and
efficiently.

Our Claims Promise

In 2015, we have implemented a new framework to further strengthen our claims service:

Our claims teams now work as one bigger team, with more people available to work on claims.

We've aligned the specialist and technical expertise of our claims examiners to the line of business and complexity of the claim, allowing each claim to be managed in a more efficient and proactive manner.

Specialist administration teams now handle administration and support functions, so that our claims examiners can remain focused on the technical management of the claim.

There is now greater contact between you and your claims examiner, enabling a more proactive and collaborative approach to claims resolution.

These changes, along with enhanced claims handling processes and technology, offer you more peace of mind when you need it most.

When settling a claim, speed and accuracy is important. We tailor our approach to each claim, looking for the best way to move the claim toward a fair resolution in the least possible time, while being sensitive to your needs.

Smaller, less complicated claims are handled through our routine or "fast-track" procedure, which allows for fast and efficient settlement. For this type of claim, all we need is brief pre-defined information to enable us to quickly assess the claim.

For larger losses, when you make a claim with AIG, you have the advantage of dealing directly with the decision-maker, and you can rely on our team having specific knowledge and experience of local laws and practice.

If there is personal injury, call 995 or 999 for ambulance and police assistance. Do not remove the vehicles unless absolutely necessary to rescue or extricate injured parties.

If you have a camera, take photographs of accident scene and damaged vehicles / properties.

Drive your vehicle to the side or to a safe area if no one is injured.

Exchange information and particulars with the other parties involved:

Vehicle registration number

Make/model/colour of vehicles

Name/address/NRIC of the other driver

Contact number of the other driver

Insurance company of the other driver

Extent of damage to vehicles

Do not admit liability or argue over who is at fault.

If you need advice, towing service or other assistance, call our 24-hour AIG Auto Assist at 6338-6200.

Claims reporting

With effect from 1 June 2008 for any road traffic accidents, under the Motor Claims Framework by GIA, you are required to report the accident within 24 hours of the occurrence of the accident or by the next working day (regardless of whether you are claiming under your own policy or not) with your accident vehicle at our approved reporting centres ie. authorised workshops. Your NCD will be affected and claim prejudiced if there is a breach of this condition.

Before making a traffic accident report, you must bring your/driver's NRIC or other identification documents, driving licence and the original Vehicle Insurance Certificate.

You must try to obtain the following information for your reporting:

Registration numbers of vehicles involved

Make/model/colour of vehicles

Name/address/NRIC of the other driver

Contact number of the other driver

Insurance company of the other driver

Extent of damage to vehicles

Date/time/place of the accident

Positions of the vehicle before & after collision

Photographs taken at scene of accident, if any

Particulars of any witnesses

Weather and road conditions

Effective from 1 May 1999, motorists need only lodge a police accident report for the following categories of motor accident cases:

Injury case

Non-injury case involving a government vehicle or damage to government property

Non-injury case involving a foreign vehicle (Foreign vehicles are defined as all vehicles registered in another country, all vehicles owned by visiting forces present in Singapore, all vehicles with USN or USG prefixes and as a general rule, all vehicles insured by an insurance company not registered to transact general insurance business in Singapore)

At least 1 party involved in the accident was conveyed to hospital from the accident scene by an ambulance; or

If conveyance to hospital was done through other transport, the party is subsequently hospitalized, or given outpatient medical leave (granted by a medical practitioner) of 3 days or more; or

Where no one was conveyed to hospital from the scene, latent injury had subsequently developed which entailed hospitalization, or outpatient medical leave of 3 days or more.

If the accident does not fall under any of the above definitions, then it is termed as a non-injury motor accident and therefore you/driver have to make a report immediately to us by completing a GIA Non-Injury Motor Accident Report Form.

Should the non-injury accident be subsequently reclassified as an injury accident, Traffic Police will initiate investigation and you/driver will be contacted for a police statement to be recorded. No penalties will be imposed on the you/driver should you/driver proceed to file a non-injury report without prior knowledge that the accident is or has been classified as an injury case, or is one requiring a police report.

For the convenience of our insured, report must be lodged at our designated panel of authorised workshops or our authorised agent workshops.

Non Traffic Accident Damage
For non traffic accident damage such as vandalism, malicious act, theft, windscreen damage, etc., you/driver must attend at our designated panel of authorized workshops or our authorized agent workshops for reporting. However, for cases with criminal intent involved (eg. vandalism, theft and malicious act), a police report will be required before reporting. The police report and such relevant evidence and documentation must be attached to the E-file report.

Policy Lifetime Repair Guarantee at 8 authorised workshopsFrom 1 August 2016, your own damage accident repairs carried out by any of our 8 designated authorised workshops come with a policy lifetime workmanship and paintwork repair guarantee, for as long as you are insured with AIG. Terms and conditions apply, and you can read more here.

NEW: Excess waiver for in-car camera(Valid for all policies with an effective date between 1 November 2016 and 31 October 2017.)
You can enjoy a waiver of up to S$1,000 on your accident repair excess if you have an in-car camera installed in your vehicle. Terms and conditions apply, and you can read more here.

If you decide to file a claim under your own policy, you should send your car to one of our authorized workshops where you can also report your claim. Your workshop will prepare an estimate of the cost of repair and liaise directly with AIG.

Survey
You should not allow the workshop to carry out any repair until after approval is given by AIG.

Excess
Under the policy condition, you are required to pay an excess for your claim, if applicable. You should pay the excess directly to the workshop.

No Claims Discount (NCD)
When you make an own damage claim, your NCD will be reduced accordingly. NCD will be reduced at a rate of 30% per accident claim.

Windscreen Claim
With effect from 1st November 2002, windscreen cover will be reinstated automatically following a claim, free of charge. However, an excess of S$100 (exlusive of GST) will apply for each claim. As for policies issued prior to 1 November 2002, no excess applies but you have to pay S$100 (exclusive of GST) to reinstate the cover.

Summons
If you receive any letter or a court summons from the other party relating to the accident, you should forward it to us "BY HAND" immediately and leave us to act on it. You should not negotiate, admit liability or offer payment to the third party.

However, if you receive a traffic summons from the police which allows you to pay a composition fine, you can proceed to pay the fine if you have violated any traffic rules or regulations.

Making a third party claim

If you are involved in an accident but the third party is fully at fault, you may wish to claim against the other party for your losses. You can choose any of the following options:

Option 1: Send your vehicle to any of our authorised workshops. If the other party is fully at fault, the workshop will repair your vehicle and make a claim on your behalf.
Option 2: If the workshops are unable to provide such a service, you will have to submit your claim directly to the third party insurers.

Below are the steps to be taken when submitting a third party claim:

Get your workshop to prepare a repair estimate.

Contact the third party insurer and request for them to conduct a survey of your vehicle. You can also engage an independent surveyor on your own.

After the survey, you may proceed with the repair.

Settle the repair bills and other expenses eg, car rental fees.

Send this claim to the third party insurer, together with copies of your repair bill, expenses' receipts, survey report / photographs (if survey is conducted by your own independent surveyor) and GIA non-injury report.

How to obtain a copy of the other insurer's accident report? Only a person directly involved in the accident may buy a copy of the accident report lodged by the other parties. If the accident report is lodged with the insurance company, apply for a copy through the GIA Record Management Centre at 138 Robinson Road, #07-09 The Corporate Office, Singapore 068906. The fee is S$29/- per copy. The enquiry number is 6224 0010.

If the accident report is lodged with the police, you can apply for the copy personally or through your attorney, to the Traffic Police Department at 10 Ubi Ave 3, Singapore 408865.

How to apply for the outcome of investigation by the police? For outcome of police investigation on cases taken up by the police, you can apply for this personally or through an attorney to the Traffic Police Department at 10 Ubi Ave 3. Singapore 408865.

If you need to file a Golf Insurance claim, please contact your agent, broker or us immediately. You should submit a completed Claim Form to us as soon as possible and provide all relevant documents within 30 days of the loss.

Documents / information required for claims submission

Third party legal liability:

Confirmation letter issued by the golf club certifying that the accident occurred while you were playing or practicing on any regulated golf course

Details of the third party including name, NRIC number, telephone number, and address, if available

The name and address of any witnesses

Police report, if any

All relevant writs, summons, correspondence and documents from any third party. Do not admit liability or make any settlement with any third party without our prior written consent.

Damage to or loss of golf equipment and personal effects:

Confirmation letter issued by the golf club certifying that the loss occurred there

In the event of loss due to theft, burglary or robbery, report to the golf club and police within 24 hours. Retain a copy of the police report.

Because an on-site survey may be required, do not dispose of any damaged items unless we have agreed in writing for you to do so. The disposal of damaged items without our authorization may result in the rejection of your claim.

“Hole-in-one” claim:

Copy of “Hole-in-one” certificate issued by the golf club

The original payment receipt for one treat of hospitality which should take place within 30 days of the “Hole-in-one”

Personal accident to the insured:

Confirmation letter issued by the golf club certifying that the accident occurred while you were there

If you need to file a Home Insurance claim, please notify your agent, broker or us immediately. You should submit a completed Claim Form to us as soon as possible and provide all relevant documents within 30 days of the loss.

Documents / information required for claims submission

Damage to or loss of buildings, contents and personal effects & valuables:

Completed claim form

Original purchase receipts of the properties lost or damaged

An estimate of repair costs. You should submit the estimate for our approval before making any repair.

In the event of loss by burglary, robbery or theft, report to the police within 24 hours and provide a copy of the police report to us

In the event of a fire, please obtain a report from the Civil Defence Department and provide a copy to us

An on-site survey may be required. Please do not dispose of any damaged item(s) unless we have agreed in writing for you to do so. The disposal of damaged item(s) without our authorization may result in the rejection of your claim.

Third party legal liability:

Details of the third party including name, NRIC number, telephone number, and address, if available

The name and address of any witnesses

All relevant writs, summons, correspondence and documents from any third party. Do not admit liability or make any settlement with any third party without our prior written consent.

IMPORTANT: REASONABLE CARE

You shall use all reasonable diligence and care to keep the Insured Premises in proper state of repair and maintenance, and if any defect therein is discovered, you shall cause such defect to be made good as soon as possible and shall in the meantime cause such additional precautions to be taken for the prevention of injury, loss or damage as the circumstances may require and we shall not be liable for any injury, loss or damage caused by a defect which you have failed to remedy after having received notice of such defect either from us or any person or public body.

Please note that the following procedure is only intended to be a guide. Each claim will be reviewed based on its own merits in accordance with the terms and conditions of the concerned policy. We reserve our rights to request for additional documents and/or information on a case by case basis.

To ensure expeditious claims processing, please observe the following guidelines:

All claims must be submitted using either the Personal Accident or Sickness Claim Form.

All fields must be completed to avoid any delay in claims processing.

You must give us written notice of your claim as soon as possible and, in any case, within 30 days after the occurrence of any event which may give rise to a claim under your policy.

For general claims enquiries, please call 6419 3000 from 9.00am to 5.00pm, Mondays to Fridays.

For Emergency Medical Assistance, please call our AIG Assistance Hotline at 6733 2221. (Please note that general claims enquiries will not be serviced at this number.)

Copy of driver’s licence and certificate of auto insurance (if deceased was driving at the time of accident)

Incident report lodged by the employer (if the accident is industrial or work related)

Nominee’s identity card (if the insured has made a nomination under the policy) or copy of claimant’s identity card and proof of relationship (if the insured has not made any nomination under the policy)

Letter of Administration or Probate (this is only applicable if the insured has not made a nomination under the policy)

2. Accidental Permanent Disablement

Police report and findings on the alleged accident (if applicable)

Attending physician’s statement completed by the treating doctor

All available medical reports or any other document to substantiate the claim

Accident report lodged by your employer (if the accident is industrial or work related)

6. Repatriation of mortal remains

Please note that in accordance with the policy terms, we will only pay for covered expenses if the services of AIG Assistance or an authorised representative of AIG Assistance is utilised to make the necessary arrangements for the return of the Insured’s mortal remains

In the event of a medically justified emergency, the Prior Agreement Form must be submitted within three days following admission. If Henner - GMC approves the hospitalization, it will issue, on behalf of AIG, a guarantee of direct payment, to the designated hospital.

In order to help us deal with your claims expeditiously, you should provide all supporting documents to substantiate your claim.

Upon receipt of sufficient documents, we will assess your claim accordingly.

We wish to inform you that the requirements listed are only indicative and not exhaustive and we may require additional information / documentation / proof to be furnished, depending on the circumstances of each case.

B. Overseas emergency needs

If you are traveling overseas and require emergency assistance because of a sickness or an injury, you can make a collect call to the emergency assistance provider, AIGTA anytime anywhere in the world for assistance.

Please note that the following procedure is only intended to be a guide. Each claim will be reviewed based on its own merits in accordance with the terms and conditions of the concerned policy. We reserve our rights to request for additional documents and/or information on a case by case basis.

To ensure expeditious claims processing, please observe the following guidelines:

All claims must be submitted using either the Personal Accident or Sickness Claim Form.

All fields must be completed to avoid any delay in claims processing.

You must give us written notice of your claim as soon as possible and, in any case, within 30 days after the occurrence of any event which may give rise to a claim under your policy.

For general claims enquiries, please call 6419 3000 from 9.00am to 5.00pm, Mondays to Fridays.

For Emergency Medical Assistance, please call our AIG Assistance Hotline at 6733 2221. (Please note that general claims enquiries will not be serviced at this number.)

Copy of driver’s licence and certificate of auto insurance (if deceased was driving at the time of accident)

Incident report lodged by the employer (if the accident is industrial or work related)

Nominee’s identity card (if the insured has made a nomination under the policy) or copy of claimant’s identity card and proof of relationship (if the insured has not made any nomination under the policy)

Letter of Administration or Probate (this is only applicable if the insured has not made a nomination under the policy)

2. Accidental Permanent Disablement

Police report and findings on the alleged accident (if applicable)

Attending physician’s statement completed by the treating doctor

All available medical reports or any other document to substantiate the claim

Accident report lodged by your employer (if the accident is industrial or work related)

6. Repatriation of mortal remains

Please note that in accordance with the policy terms, we will only pay for covered expenses if the services of AIG Assistance or an authorised representative of AIG Assistance is utilised to make the necessary arrangements for the return of the Insured’s mortal remains

To ensure prompt processing of your claim, it is important that you submit a completed Claim Form together with the applicable documents to our Claims Department.

Please contact us at 6419 3000 so that we may appoint an examiner to look into the matter if warranted.

It is the insured’s responsibility to take relevant measures to minimise any loss and or damage.

Do not dispose of damaged items without our approval. If possible, take photographs of the damaged items.

Please do not admit liability without our consent.

Please submit the Claimant’s letter of intention to claim, writ of summons etc. immediately upon receipt. For writ of summons, please submit immediately as an appearance must be entered within 8 days of service of the writ.

You should provide written notice, including details of the claim or circumstances that may reasonably be expected to give rise to a claim. This written notice should specify the reasons for the claim, or anticipating a claim, with full details of the dates and persons involved.

You should supply copies of all relevant documentation including claimant's demand letter, writ of summons, statement of claims, notice of interview by the regulatory authorities (e.g. CPIB,CAD), charge sheets, chronology of events, correspondence between you and the claimant.

If defence lawyers are retained, you should notify us of the hourly rates charged by them, and provide a copy of their curriculum vitae (CV) and the budgeted costs of the defence, legal opinion advising on the merit of the claim, etc.

You should provide copies of legal invoices and detailed narratives for any defence costs incurred.

You should be prepared to supply any other information or documentation that we may request.

B. Notification Procedure

You should notify us as soon as you/insured become aware of a claim or circumstances that may give rise to a claim.

You should provide us with written notice of any claim first made against you/insured as soon as practicable and within the policy period or discovery period (if applicable).

We will acknowledge receipt of the notification in writing.

We will review the information provided and determine if it is sufficient for us to determine policy liability. During this process, we may request additional information or documentation from you.

We may appoint an investigator, examiner or lawyer to investigate the events and circumstances leading to the claim.

If the information provided or discovered is sufficient, we will communicate our decision of coverage position to you in writing

You have the duty to defend a claim.

You must not admit liability or enter into any settlement or incur defence costs without our prior written consent.

In the event that a claim involves both covered matters and matters not covered under this policy, we will make a fair and proper allocation of any defence costs, judgments and/or settlements.

You should provide written notice, including details of the claim or circumstances that may reasonably be expected to give rise to a claim. This written notice should specify the reasons for the claim, or anticipating a claim, with full details about the dates and persons involved.

You should supply copies of all relevant documentation including claimant's demand letter, writ of summons, statement of claims, chronology of events, correspondence between you and the claimant.

If defence lawyers are retained, you should notify us of the hourly rates charged by them, and provide a copy of their curriculum vitae (CV) and the budgeted costs of the defence legal opinion advising on the merit of the claim, etc.

You should provide copies of legal invoices and detailed narratives for any defence costs incurred.

You should be prepared to supply any other information or documentation that we may request.

B. Notification Procedure

You should notify us as soon as you/insured become aware of a claim or circumstances that may give rise to a claim.

You should provide us with written notice of any claim first made against you/insured as soon as practicable and within the policy period or discovery period (if applicable).

We will acknowledge receipt of the notification in writing.

We will review the information provided and determine if it is sufficient for us to determine policy liability. During this process, we may request additional information or documentation from you.

We may appoint an investigator, examiner or lawyer to investigate the events and circumstances leading to the claim.

If the information provided or discovered is sufficient, we will communicate our decision of coverage position to you in writing

You have the duty to defend a claim.

You must not admit liability or enter into any settlement or incur defence costs without our prior written consent.

In the event that a claim involves both covered matters and matters not covered under this policy, we will make a fair and proper allocation of any defence costs, judgments and/or settlements.

Insurance covering for loss and/or damage of cargo whilst it is in transit from one country to another. Shipments can be via Sea, Air, Courier or Truck. Policies are tailored to suit individual Insured's needs. Coverage can be provided for an all risks (ICC A) or named perils (ICC C) basis.

When you accept delivery, the goods and/or carrying container(s), as well as container seals should be externally examined at the site. If there are visible signs of damage, do not sign a clean receipt. You should note any visible or likely damage on the receipt and immediately inform the carriers in writing of their liability. You should then advise your insurance agent, broker, us, or the surveyor named in the insurance certificate, and provide copies of cargo receipts, loss notifications, and correspondence between you and the carrier and/or the carrier's agents.

Goods that have been delivered without any apparent external irregularities should be unpacked as soon as possible and you should check for any concealed loss or damage. If loss or damage is discovered, document this, if possible, with digital photographs. Retain all shipping containers and packing materials for later inspection and documentation.

If your claim involves water damage, you and/or the consignee should separate the damaged goods from the undamaged goods as soon as possible to prevent further water damage.

Should an entire package go missing, the delivery receipt must be marked accordingly. Also, secure other substantiating evidence from the forwarder or carrier and inform them in writing without delay, of the loss. Include in this communication your intention to hold the forwarder or carrier liable for the loss. Do not sign a clean receipt if there are any irregularities or suspected irregularities. If you are required to sign a receipt, clearly describe the irregularities in writing on the receipt next to your signature.

If damage or loss occurs during the transit, a claim letter should be filed. Written notice of loss should be given to carrier or forwarder or carrier's local representative within 3 days (by sea) or 14 days (by air) of cargo delivery.

At all times, it is your duty to take reasonable measures to avert or minimize loss amount and to ensure that all rights against carriers, bailees or other third party are properly preserved and exercised.

Appointment of surveyors

If the loss amount does not exceed US$2,000, no survey is necessary. You need to only provide photographs that demonstrate the severity and extent of the damage. Be sure your photographs record both the external damage to the packaging and the interior damage to the cargo.

When the loss amount (as opposed to the affected cargo value) exceeds US$2,000, a survey is necessary. Please report such damage to our office without delay. We will assign a surveyor and pay the survey fee.

If the injured employee has met with an industrial accident, you/insured should complete the AIG Work Injury Claim Form (B) with a copy of Ministry of Manpower (MOM) I-report

If you/insured are filing a work injury compensation claim and the accident does not arise out of and in the course of employment, please complete the AIG Work Injury Claim Form (A) and send via your agent or broker to:
AIG Asia Pacific Insurance Pte. Ltd.
Claims Department
AIG Building
78 Shenton Way, #07-16
Singapore 079120
Fax No: 6835 7417

2. Reporting timeline for you/insured to report an industrial accident:

Please report the accident to Ministry of Manpower (MOM) and us as soon as possible but not exceeding 10 days of its occurrence.

3. You must report an industrial accident to MOM if the following happened:

Where the accident results in death of an employee

Where the accident results in any incapacity that renders the employee unfit for work for more than 3 consecutive days, OR the employee is admitted in a hospital for at least 24 hours for observation or treatment

4. Documents/ information required for claims submission:

Completed Work Injury Claim Form (please ensure that all fields are fully completed. The completed claim form must be signed by both your authorized personnel and also the injured employee)

You should immediately report your claim in writing to our claims department, together with all appropriate documents. The following information should be included:

Policy number

Description of the product involved

How, when and where the accident took place

The names, addresses and contact numbers of the claimant

The nature and extent of any injury or damage and location of the accident

If the product is supplied by another company, you should also submit a copy of the purchase contract between you and the supplier, as well as the address, fax number and the insurance details of the supplier

B. Useful Notes

When you receive a product liability claim:

You should acknowledge receipt of claimant or vendor's notification of the claim

You should not admit liability, assume any obligation, or make any offer or payment without our prior written consent

If you receive summons or legal papers:

You should immediately record the specifics of the claim and the date received

You should not reply, admit liability, assume any obligation, or make any offer or payment without our prior written consent

You should immediately notify us and send us the original summons and other documents

You should provide the contact details of your company’s representative

You should cooperate with our investigation, settlement or defence of the lawsuit

You should assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to you because of the injury or damage to which this insurance may also apply

In the event of a medically justified emergency, the Prior Agreement Form must be submitted within three days following admission. If Henner - GMC approves the hospitalization, it will issue, on behalf of AIG, a guarantee of direct payment, to the designated hospital.

A completed liability claim form with a full description of the incident

The incident report, witnesses' statements and details of any remedial action taken, if available

A copy of the police report, if available

The third party's name and contact details, if available

Photographs showing the location of the accident and the extent of injury and/or damage sustained by any third party.

Digital photographs are acceptable

Any third party's letter, claim, writ, summons shall be forwarded to us immediately

B. Useful Notes

You should not admit liability, assume any obligation, or make any offer or payment without our prior written consent

You should cooperate with our investigation,settlement or defense of the lawsuit

You should assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to you because of the injury or damage to which this insurance may also apply.

You should provide written notice, including details of the claim or circumstances that may reasonably be expected to give rise to a claim. This written notice should specify the reasons for the claim, or anticipating a claim, with full details about the dates and persons involved.

You should supply copies of all relevant documentations including claimant's demand letter, writ of summons, statement of claims, judgment, chronology of events, correspondence between you and the claimant, legal opinion advising on the merit of the claim, etc.

If defence lawyers are retained, you should notify us of the hourly rates charged by them, and provide a copy of their curriculum vitae (CV) and the budgeted costs of the defence

You should provide copies of legal invoices and detailed narratives for any defence costs incurred

You should be prepared to supply any other information or documentation that we may request

B. Notification Procedure

You should notify us as soon as you/insured become aware of a claim or circumstances that may give rise to a claim

You should provide us with written notice of any claim first made against you/insured as soon as practicable and within the policy period or discovery period (if applicable)

You may also provide us with written notice of any circumstances that may reasonably be expected to give rise to a claim

We will acknowledge receipt of the notification in writing

We will review the information provided and determine if it is sufficient for us to determine policy liability. During this process, we may request additional information or documentation from you.

We may appoint an investigator, examiner or lawyer to investigate the events and circumstances leading to the claim

If the information provided or discovered is sufficient, we will communicate our decision of coverage position to you in writing

You have the duty to defend a claim

You must not admit liability or enter into any settlement or incur defence costs without our prior written consent

In the event that a claim involves both covered matters and matters not covered under this policy, we will make a fair and proper allocation of any defence costs, judgments and/or settlements